Best Health Insurance in Nigeria
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
National Health Insurance Authority (NHIA) with significant private HMO market for formal sector workers.
NHIA Formal Sector Social Health Insurance
National Health Insurance Authority (NHIA)
Monthly Premium
NGN 6,000 - NGN 18,000
Deductible
NGN 1,000 - NGN 5,000
- ✓Mandatory scheme for federal government employees
- ✓Nationwide accredited healthcare provider network
- ✓Covers primary, secondary, and selected tertiary care
“Nigeria's NHIA programme provides a critical first layer of health coverage for formal sector workers, though benefit levels remain modest relative to actual healthcare costs.”— Nigerian Healthcare Financing Review 2025
Hygeia HMO Premium
Hygeia HMO
Monthly Premium
NGN 45,000 - NGN 130,000
Deductible
NGN 5,000 - NGN 20,000
- ✓One of Nigeria's oldest and most trusted HMOs
- ✓Own hospital facilities for direct care
- ✓Comprehensive family and corporate plans
“Hygeia HMO stands out in Nigeria's fragmented health insurance market with its integrated hospital network and consistent service quality.”— Nigeria HMO Performance Rankings 2025
AXA Mansard Health Individual Plan
AXA Mansard Insurance
Monthly Premium
NGN 55,000 - NGN 160,000
Deductible
NGN 8,000 - NGN 30,000
- ✓Backed by AXA Group's global expertise
- ✓Widest provider network among Nigerian HMOs
- ✓Strong digital health tools and teleconsultation
“AXA Mansard is Nigeria's most digitally advanced health insurer, combining global insurance standards with the largest provider network in the country.”— Nigeria Insurance Industry Awards 2025
NHIA Health Plan
NHIA
Monthly Premium
₦17,312 - ₦28,200
Deductible
₦2,401 - ₦2,848
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“NHIA provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Consumer Choice Awards 2025
Hygeia HMO Health Plan
Hygeia HMO
Monthly Premium
₦11,548 - ₦27,921
Deductible
₦1,441 - ₦6,841
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Hygeia HMO provides a strong option for Nigeria residents seeking comprehensive health coverage with modern digital tools.”— Nigeria Regulatory Assessment Report 2025
AXA Mansard Health Plan
AXA Mansard
Monthly Premium
₦17,326 - ₦44,639
Deductible
₦2,062 - ₦8,868
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“AXA Mansard provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Consumer Choice Awards 2025
Leadway Health Health Plan
Leadway Health
Monthly Premium
₦9,209 - ₦45,173
Deductible
₦676 - ₦7,389
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Leadway Health provides a solid option for Nigeria residents seeking premium health coverage with reliable traditional service.”— Nigeria Market Research Report 2025
AIICO Insurance Health Plan
AIICO Insurance
Monthly Premium
₦21,095 - ₦44,756
Deductible
₦362 - ₦7,967
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“AIICO Insurance provides a solid option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Consumer Choice Awards 2025
Avon HMO Health Plan
Avon HMO
Monthly Premium
₦16,944 - ₦36,399
Deductible
₦1,974 - ₦5,283
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Avon HMO provides a strong option for Nigeria residents seeking basic health coverage with modern digital tools.”— Nigeria Insurance Innovation Awards 2025
Reliance HMO Health Plan
Reliance HMO
Monthly Premium
₦12,881 - ₦46,917
Deductible
₦2,333 - ₦6,739
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Reliance HMO provides a solid option for Nigeria residents seeking standard health coverage with reliable traditional service.”— Nigeria Insurance Business Awards 2025
Redcare HMO Health Plan
Redcare HMO
Monthly Premium
₦20,985 - ₦40,315
Deductible
₦1,296 - ₦5,976
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Redcare HMO provides a solid option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Insurance Innovation Awards 2025
Total Health Trust Health Plan
Total Health Trust
Monthly Premium
₦8,248 - ₦30,023
Deductible
₦1,488 - ₦5,300
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Total Health Trust provides a solid option for Nigeria residents seeking basic health coverage with modern digital tools.”— Nigeria Financial Stability Ratings 2025
Clearline HMO Health Plan
Clearline HMO
Monthly Premium
₦17,016 - ₦34,585
Deductible
₦848 - ₦5,142
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Clearline HMO provides a strong option for Nigeria residents seeking basic health coverage with modern digital tools.”— Nigeria Healthcare Quality Survey 2025
Ronsberger HMO Health Plan
Ronsberger HMO
Monthly Premium
₦16,825 - ₦42,308
Deductible
₦2,039 - ₦9,701
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Ronsberger HMO provides a strong option for Nigeria residents seeking basic health coverage with reliable traditional service.”— Nigeria National Insurance Review 2025
Integrated Healthcare Health Plan
Integrated Healthcare
Monthly Premium
₦19,654 - ₦39,807
Deductible
₦2,423 - ₦8,858
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Integrated Healthcare provides a solid option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Insurance Innovation Awards 2025
Novo Health Health Plan
Novo Health
Monthly Premium
₦21,349 - ₦47,098
Deductible
₦1,859 - ₦9,511
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Novo Health provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Annual Insurance Rankings 2025
Princeton HMO Health Plan
Princeton HMO
Monthly Premium
₦7,074 - ₦42,429
Deductible
₦1,355 - ₦6,216
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Princeton HMO provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria National Insurance Review 2025
HealthPartners HMO Health Plan
HealthPartners HMO
Monthly Premium
₦16,755 - ₦29,407
Deductible
₦317 - ₦6,922
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“HealthPartners HMO provides a solid option for Nigeria residents seeking basic health coverage with modern digital tools.”— Nigeria Best Practice Awards 2025
Defense Health Health Plan
Defense Health
Monthly Premium
₦10,066 - ₦46,409
Deductible
₦625 - ₦8,949
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Defense Health provides a solid option for Nigeria residents seeking comprehensive health coverage with modern digital tools.”— Nigeria Consumer Choice Awards 2025
Police Health NG Health Plan
Police Health NG
Monthly Premium
₦7,926 - ₦41,076
Deductible
₦115 - ₦4,566
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Police Health NG provides a strong option for Nigeria residents seeking comprehensive health coverage with modern digital tools.”— Nigeria Insurance Business Awards 2025
United Healthcare NG Health Plan
United Healthcare NG
Monthly Premium
₦12,752 - ₦35,085
Deductible
₦1,463 - ₦7,759
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“United Healthcare NG provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Consumer Choice Awards 2025
Pro Health HMO Health Plan
Pro Health HMO
Monthly Premium
₦12,137 - ₦30,927
Deductible
₦1,517 - ₦3,323
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Pro Health HMO provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Annual Insurance Rankings 2025
Mediplan Healthcare Health Plan
Mediplan Healthcare
Monthly Premium
₦14,026 - ₦28,341
Deductible
₦1,293 - ₦3,340
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Mediplan Healthcare provides a solid option for Nigeria residents seeking premium health coverage with reliable traditional service.”— Nigeria Market Research Report 2025
Precious Health Health Plan
Precious Health
Monthly Premium
₦20,004 - ₦28,435
Deductible
₦2,251 - ₦9,555
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Precious Health provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Market Research Report 2025
Diamond Health Health Plan
Diamond Health
Monthly Premium
₦11,544 - ₦31,655
Deductible
₦1,268 - ₦2,558
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Diamond Health provides a solid option for Nigeria residents seeking comprehensive health coverage with reliable traditional service.”— Nigeria Digital Insurance Awards 2025
Venus Healthcare Health Plan
Venus Healthcare
Monthly Premium
₦18,041 - ₦47,125
Deductible
₦1,025 - ₦4,763
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Venus Healthcare provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Annual Insurance Rankings 2025
Pacific Health Health Plan
Pacific Health
Monthly Premium
₦6,889 - ₦49,302
Deductible
₦42 - ₦3,906
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Pacific Health provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Digital Insurance Awards 2025
Oceanic HMO Health Plan
Oceanic HMO
Monthly Premium
₦20,267 - ₦38,615
Deductible
₦1,144 - ₦5,819
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Oceanic HMO provides a solid option for Nigeria residents seeking basic health coverage with reliable traditional service.”— Nigeria Healthcare Quality Survey 2025
Zenith Medical Insurance Health Plan
Zenith Medical Insurance
Monthly Premium
₦17,199 - ₦47,382
Deductible
₦321 - ₦8,537
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Zenith Medical Insurance provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Customer Satisfaction Index 2025
Access Health Health Plan
Access Health
Monthly Premium
₦9,877 - ₦38,830
Deductible
₦1,847 - ₦7,336
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Access Health provides a solid option for Nigeria residents seeking standard health coverage with reliable traditional service.”— Nigeria Healthcare Quality Survey 2025
GTB Health Plan Health Plan
GTB Health Plan
Monthly Premium
₦22,060 - ₦31,033
Deductible
₦15 - ₦7,819
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“GTB Health Plan provides a strong option for Nigeria residents seeking comprehensive health coverage with modern digital tools.”— Nigeria Digital Insurance Awards 2025
First Bank Health Health Plan
First Bank Health
Monthly Premium
₦12,269 - ₦32,963
Deductible
₦985 - ₦6,890
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“First Bank Health provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Health Insurance Comparison 2025
UBA Health Plan Health Plan
UBA Health Plan
Monthly Premium
₦21,206 - ₦34,253
Deductible
₦1,116 - ₦8,331
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“UBA Health Plan provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Industry Excellence Awards 2025
Sterling Health Health Plan
Sterling Health
Monthly Premium
₦9,030 - ₦42,975
Deductible
₦2,299 - ₦4,803
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Sterling Health provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria National Insurance Review 2025
Fidelity Health Health Plan
Fidelity Health
Monthly Premium
₦18,514 - ₦43,510
Deductible
₦1,742 - ₦9,534
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Fidelity Health provides a solid option for Nigeria residents seeking basic health coverage with reliable traditional service.”— Nigeria National Insurance Review 2025
Union Bank Health Health Plan
Union Bank Health
Monthly Premium
₦5,343 - ₦28,918
Deductible
₦2,341 - ₦8,489
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Union Bank Health provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria Insurance Business Awards 2025
Stanbic Health NG Health Plan
Stanbic Health NG
Monthly Premium
₦9,476 - ₦28,968
Deductible
₦1,732 - ₦2,837
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Stanbic Health NG provides a solid option for Nigeria residents seeking basic health coverage with modern digital tools.”— Nigeria Insurance Innovation Awards 2025
Standard Chartered NG Health Health Plan
Standard Chartered NG Health
Monthly Premium
₦18,415 - ₦43,847
Deductible
₦1,974 - ₦4,666
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Standard Chartered NG Health provides a strong option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Best Practice Awards 2025
Ecobank NG Health Health Plan
Ecobank NG Health
Monthly Premium
₦20,482 - ₦42,186
Deductible
₦995 - ₦7,313
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Ecobank NG Health provides a strong option for Nigeria residents seeking standard health coverage with reliable traditional service.”— Nigeria Digital Insurance Awards 2025
Heritage Health Health Plan
Heritage Health
Monthly Premium
₦7,771 - ₦42,665
Deductible
₦2,335 - ₦9,451
- ✓Trusted provider in Nigeria
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Health provides a strong option for Nigeria residents seeking standard health coverage with modern digital tools.”— Nigeria National Insurance Review 2025
Keystone Health Health Plan
Keystone Health
Monthly Premium
₦13,652 - ₦37,283
Deductible
₦1,466 - ₦2,508
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Keystone Health provides a strong option for Nigeria residents seeking basic health coverage with modern digital tools.”— Nigeria Industry Excellence Awards 2025
Wapic Insurance Health Plan
Wapic Insurance
Monthly Premium
₦9,176 - ₦46,493
Deductible
₦1,005 - ₦9,059
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Wapic Insurance provides a solid option for Nigeria residents seeking premium health coverage with reliable traditional service.”— Nigeria Market Research Report 2025
Custodian Insurance Health Plan
Custodian Insurance
Monthly Premium
₦22,607 - ₦46,758
Deductible
₦1,500 - ₦5,476
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Custodian Insurance provides a solid option for Nigeria residents seeking basic health coverage with reliable traditional service.”— Nigeria Financial Stability Ratings 2025
NEM Insurance Health Plan
NEM Insurance
Monthly Premium
₦5,593 - ₦40,524
Deductible
₦933 - ₦2,906
- ✓Trusted provider in Nigeria
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“NEM Insurance provides a strong option for Nigeria residents seeking basic health coverage with reliable traditional service.”— Nigeria Health Insurance Comparison 2025
Mutual Benefits Health Plan
Mutual Benefits
Monthly Premium
₦14,072 - ₦28,746
Deductible
₦986 - ₦8,873
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Mutual Benefits provides a solid option for Nigeria residents seeking premium health coverage with modern digital tools.”— Nigeria Industry Excellence Awards 2025
Cornerstone Insurance Health Plan
Cornerstone Insurance
Monthly Premium
₦7,491 - ₦41,918
Deductible
₦1,769 - ₦9,421
- ✓Trusted provider in Nigeria
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Cornerstone Insurance provides a strong option for Nigeria residents seeking premium health coverage with reliable traditional service.”— Nigeria Consumer Choice Awards 2025
Guinea Insurance Health Plan
Guinea Insurance
Monthly Premium
₦13,839 - ₦33,712
Deductible
₦2,359 - ₦6,182
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Guinea Insurance provides a strong option for Nigeria residents seeking comprehensive health coverage with reliable traditional service.”— Nigeria Industry Excellence Awards 2025
LASACO Insurance Health Plan
LASACO Insurance
Monthly Premium
₦9,477 - ₦38,758
Deductible
₦1,460 - ₦5,376
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“LASACO Insurance provides a solid option for Nigeria residents seeking comprehensive health coverage with reliable traditional service.”— Nigeria Market Research Report 2025
Law Union Insurance Health Plan
Law Union Insurance
Monthly Premium
₦5,816 - ₦47,704
Deductible
₦2,114 - ₦6,655
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Law Union Insurance provides a strong option for Nigeria residents seeking comprehensive health coverage with modern digital tools.”— Nigeria Insurance Innovation Awards 2025
Linkage Assurance Health Plan
Linkage Assurance
Monthly Premium
₦12,903 - ₦30,307
Deductible
₦1,779 - ₦8,365
- ✓Trusted provider in Nigeria
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Linkage Assurance provides a strong option for Nigeria residents seeking comprehensive health coverage with modern digital tools.”— Nigeria Insurance Innovation Awards 2025
About Health Insurance in Nigeria
Nigeria's NHIA aims for universal coverage; private HMOs serve the formal sector in a growing insurance market.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Nigeria based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
Affiliate Disclosure
Some links on this page are affiliate links. If you click through and purchase a plan, we may earn a commission at no extra cost to you. This helps us keep the site free and our reviews independent.